Home Loans
We specialise in working with both first home buyers and investors. We understand wherever you are with your home buying journey , you need a trusted advisor who understands your scenario and knows where to place the application.
– Your borrowing capacity
– The deposit you need
– The government incentives you are eligible for
– Mistakes to avoid
We Partner will over 30 Banks & have solutions for every scenario
We work for you & not the Banks
Chat with us about your Home Loans options
Whether you're are a PAYG employee , self employed or a mix or both , we got solutions for all.
1. Home loans : We specialise in working with both first home buyers and investors. We understand wherever you are with your home buying journey , you need a trusted advisor who understands your scenario and knows where to place the application.
Whether you’re are a PAYG employee , self employed or a mix or both , we got solutions for all.
First home buyers: We understand that buying your first home is one the biggest financial decisions you will make, and it is worth to have someone by your side who will guide you with the following – – Your borrowing capacity – The deposit you need – The government incentives you are eligible for – Mistakes to avoid We always get clients asking us questions and no question is silly. We are here to answer them all.
2. Investors
What is an Investment Property Loan?
An investment property loan, also referred to as a rental property loan, is a mortgage specifically tailored for purchasing or refinancing properties meant for investment. Unlike standard home loans, which are used to finance owner-occupied homes, investment property loans are intended for properties that will be rented out or sold for profit. These loans often come with different terms, interest rates, and eligibility requirements compared to loans for primary residences.
We love assisting our clients build a property portfolio. We help maximising borrowing capacity and valuations of your current property so you have access to maximum equity to go towards your new purchase.In many cases we have helped clients purchase their second home or an investment without using any of their savings.
3. Low Documentation (Low Doc) and Alternative Documentation (Alt Doc) Loans
Low Doc and Alt Doc loans are designed for borrowers who may struggle to meet the strict documentation requirements of traditional loans. These loans are particularly suited for self-employed individuals, freelancers, or anyone with irregular income who may find it difficult to provide standard proof of earnings
Understanding Low Doc Loans
A common misconception is that Low Doc loans require minimal income documentation. In reality, they simply allow for alternative types of income verification. These loans are ideal for individuals who:
– Have been in business for less than two years
– Have seasonal or inconsistent income
– Earn income from various sources, such as part-time work, investments, rental properties, or business operations
– Have recently switched industries or transitioned between full-time employment and self-employment
Eligibility Criteria
To qualify for a Low Doc loan, self-employed borrowers may need to provide:
– Proof of ABN and/or GST registration
– Business Activity Statements (BAS)
– Business account transaction statements
– A letter from an accountant
– Personal tax returns
4. SMSF loans
An SMSF loan, also known as a Limited Recourse Borrowing Arrangement (LRBA), enables you to use the funds in your self-managed super fund (SMSF) to invest in assets like residential or commercial property. The rental income generated from the property is used to repay the loan, with any surplus returns reinvested back into the SMSF. SMSF loans are specifically designed for purchasing investment assets within the fund and must comply with the rules and regulations established by the Australian Taxation Office (ATO).
Applying for an SMSF loan involves multiple steps, such as setting up an SMSF with the help of a registered SMSF provider, selecting appropriate investment properties, securing loan pre-approval from a lender experienced in SMSF loans, and ensuring compliance with legal and regulatory obligations throughout the process.
Home Loans FAQs
If you haven’t used a finance broker before, you probably have some questions. Let’s help you get some answers.
What types of home loans do you offer?
We offer a wide range of home loan options tailored to meet your needs, whether you're a first home buyer or an experienced investor. Our loan products include fixed-rate loans, variable-rate loans, interest-only loans, and construction loans. We work with you to find the best solution for your financial situation and goals.
How do I know if I’m ready to buy my first home?
Buying your first home is a big decision, and we’re here to help you every step of the way. We’ll assess your financial situation, including your savings, income, and expenses, to determine your borrowing capacity. We also guide you through the process of saving for a deposit, understanding government grants, and preparing for additional costs like stamp duty and legal fees.
Can I get a home loan if I’m self-employed or have a low credit score?
Yes, we specialise in helping clients with unique financial situations, including self-employed individuals and those with less-than-perfect credit scores. We’ll work with you to understand your circumstances and find lenders who are more flexible with their eligibility criteria. Our goal is to help you secure a loan that fits your needs.
What makes your service different from other home loan providers?
We pride ourselves on being trusted advisors who take the time to understand your specific scenario. Whether you’re a first home buyer or an investor, we provide personalised advice and support throughout the entire process. Our expertise ensures your application is placed with the right lender, saving you time and potentially thousands of dollars in interest and fees.